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If you're going to buy a house after 1st July 2019, I'd suggest reading till the end of the article. There are a few Stamp Duty Exemption will be ended by 30th June 2019. And there are a few will be started effective 1st July 2019. So, let's talk about the one that will [...]
In the last quarter, Bank Negara Malaysia (BNM) reduced the Overnight Rate (OPR) to 3%, and this is good because every bank in town started to reduce their Base Lending Rate (BLR) or Base Rate (BR). And because of this our home loan installment has reduced and we're getting an insanely low home loan [...]
I want the best home loan. I want a cheaper interest rate. I can hear my client saying this all the time. Aren't all of us want that? Ideally, we want a low price with the most high-quality product. The best thing if it FREE. Cost us nothing. Is that even possible? But people [...]
Client Question: Hi, If I buy property price 450k SUB SALE first timer. Am I entitle for the exemption of stamp duty? MHL Answer: This year there is two stamp duty exemption for a first-time house buyer. The difference between these two exemptions is the property price. The first exemption. 1. If you buy [...]
Client Question: Is it true that the transfer of ownership has to be done after five years of staying in the property? How much is the stamp duty? MHL Answer: Once the property completed, the transfer of ownership can be done. However, there is a specific house like under 1Malaysia People’s Housing (PR1MA) program [...]
Question: Hi melissa, my ccris record is "too clean" so a friend suggest to apply for personal loan (RM25k for 7 years with aeon) my gross salary RM4,500 nett is RM3,900 monthly personal loan RM596 currently applying housing loan RM500k what are my chances? MHL Answer: Hi, I hope "too clean" means you [...]
A little while ago, I read this article about spending money. And it makes me think, where do we splurge the most from our income. Some people might spend on buying a fancy car, buying a house, traveling, children education, monthly medication and etc. A while ago, I took times to review our financial [...]
I was missing from writing these few weeks because I need to take care of my mom (she just had surgery) and at the same time both of us, my husband and I, we fall sick. So, it's a challenging time for us. But, now I'm back and we do have so much content [...]
Hey guys, This week video, we're going to talk about What happens when OPR reduce? Make sure to hit the subscribe & like button on our YouTube channel and comment on questions or ideas you want to see here. For more Home Loan information and enquiry, please call/ whatsapp us at 012-6946746 or [...]
If you're buying a low-cost house in Selangor, I think it is best for you to read this. We learned about this when we faced the same scenario years ago. A client who bought a house from a Seller without knowing this is a low-cost house. The Seller doesn't know or recalled it as [...]
